The Facts Regarding Temporary Car Insurance

Traditionally, a car insurance policy may last for a year at a time. But what if you won’t have the car for that length of time? Perhaps you’re just looking after a car while a friend is on vacation, and you need to be insured to drive it. You may not want to take out a full year’s premium for a car you’ll only have for a few days, and your current insurance policy may not cover driving other cars.

So what can you do? Do you drive your friend’s car without insurance and risk having it confiscated? Do you just leave it parked up and just hope that it will still run when your friend gets home? Or do you get temporary car insurance (temp car insurance) on the car?   You could get temporary car insurance on a car or van for between 1 and 28 days, with an option for Third Party or Fully Comprehensive.

One month’s temporary car insurance might cost more than a month’s premium on a standard policy, but as you only pay the one fee it may be an easy way to legally drive another car with no long-term commitment to an insurer. Temporary car insurance may also be useful if you’ve just bought a new car and haven’t yet managed to get full coverage sorted out. You could arrange for a day or two of temporary car insurance that may cover you driving back from the dealership. Or perhaps your current policy has run out and you haven’t had time to get a new car insurance quote? You could buy temporary car insurance that may give you time to shop around for cheap car insurance at your leisure.

Temporary car insurance should not be seen as a substitute for a standard policy. It may be purely for situations like the ones outlined here, or in emergencies. But it might prove very beneficial, and possibly easier than trying to negotiate a second car on your current insurance policy.

It is important for those in the market for temporary car insurance to weigh their options. The first step is to get quotes. You can get free, no-obligation quotes by filling out a simple form.